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InIntego Insurance serves residents across Southern Minnesota, Northern Iowa and the upper Midwest looking for insurance solutions for their farm, business, or family. From home insurance, auto insurance, farm insurance, life insurance, and crop insurance- Intego has you covered!

Summer in Minnesota means road construction. I know, I know, it’s my favorite thing too. Driving through road construction areas increases the chance that a rocks or stones are flying out of trucks and into our windshields.

Full Glass Coverage is available on any vehicle that carries comprehensive coverage. The coverage gives you a $0 deductible for repairs or replacement of your windshield (or other auto window glass).

Repairing the chip most often means that a crack will not develop and replacing the entire windshield will not be required. Sometimes, the damage is significant, or a crack quickly develops and a full replacement is necessary.

If you notice a rock chip or crack, contact us and we will arrange for it to get taken care of!

1. If there are injuries, call 9-1-1 immediately. Otherwise, contact the police department to file an accident report.2. Stay calm3. Get contact and insurance information from the involved parties4. Collect witness names and numbers 5. Call for a tow – either through your Roadside Assistance provider or a local towing company6. If you can safely do so, photograph any damage7. Don’t offer an opinion regarding who was at fault for the accident8. Discuss accident details only with the police or your insurance agent9. Don’t leave the scene until instructed by police10. Call your insurance agent to file a claim.

In this video, Sarah touches on the aspects of business auto coverage. Depending on your situation, your liability limits may need to be higher. For example, driving on and east coast business trip coming from the mid-west.

You may think that your home office is low risk and therefore it does not need special consideration. However, there may be exclusions within your homeowner's policy and may not cover your business exposures. In this video, Sarah speaks about home based business and their special situation.

Business Interruption coverage protects business owners in the case of a fire for example. Each business is different, some may be able to be back up running within a week or more, and others a few days. Watch the video to see how business interruption can help! Below is a short summary of the topics covered in this video.

Business Interruption

• Compensates for lost business due to a disaster

• What happens if your property is destroyed in a claim?

• How fast can you be back operating?

• If you need a commercial kitchen – how many of those are in your city? What cost will you need to pay to have a temporary space?

• What about your products – if you lost your organic, seasonal ingredient like rhubarb for the frozen pies you sell, and need to replace what burned up in the fire how much do you have to pay to source that ingredient? Or, do you not have the product to sell until there is organic rhubarb available to you again.

• If you are a consultant who commutes to the company headquarters, you probably need a day to replace your laptop, download your files from the cloud and can get back to work.

We have launched this video series in order to help new entrepreneurs, especially, to learn about what insurance coverage they need to have. In the following few posts, Sarah will be covering 7 topics that entrepreneurs should have knowledge on. Stay tuned for the next post and let us know what you think in the comments!